topic Re: Zendough? in General Credit Topics

Zendough?

Creditaddict — Sun, 24 Jan 2010 22:19:10 GMT

Anyone used this yet? I have Mint.com but have a hard time getting all my accounts to synch up and this one looks like it takes it one step further and actually brings in your credit reports and information on debt load etc.

Re: Zendough?

Anonymous — Wed, 24 Feb 2010 00:09:14 GMT

I prefer mint.gov

Re: Zendough?

Anonymous — Wed, 24 Feb 2010 20:31:09 GMT

I've looked at it but haven't taken the plunge. It does look interesting though.

I use Mint.com as well and have just got it tweaked the way I like it. I did have a sync issue but the customer service dept took care of it and it has been smooth sailing since.

Re: Zendough?

Anonymous — Thu, 25 Feb 2010 01:27:54 GMT

Is it free?

Personally I think mint.com sucks -- even though it is free. They continually come up with sync errors and can't even add Alliant's credit card to their list of supported institutions.

Re: Zendough?

SCF — Thu, 25 Feb 2010 06:00:51 GMT

It didn't look to me like Zen Dough was free? There was some deal about a 7-day trial, but maybe I misunderstood that...

I am a huge fan of Mint.com. I very rarely have issues with it and I honestly rely on it to monitor my accounts on a day-to-day basis. I agree that it would be complete junk if they didn't support all of my accounts, but they do, so I'm golden. I love Mint's main page, it gives me everything I need in one glance. I use some of my budget categories to help keep track of my monthly payments so that I don't have to dig around to find the debits in my checking account (if the bar for "Car Insurance" is still empty after the 10th, I need to harass State Farm, yet again, for the 8 millionth time, to please take their money...).

Re: Zendough?

marty56 — Sun, 28 Feb 2010 16:00:09 GMT

Anyone thinking of registering for the service might want to think again.

After atempting to sign up for the service, I was unable access my account and was told that it was an ongoning technical issue" and would have to wait 24 - 48 hours.

They were sucessful in have 2 $1 authorizations on my CC card though.

As a Bush song once said, Zen, I don't think so.

Re: Zendough?

Anonymous — Sun, 07 Nov 2010 16:13:25 GMT

I have used it for the last 3 months. I like the daily pulls, the alerts are not too great if you ask me. I have only had one alert the entire three months, I have had collections deleted and did not get a alert. I'm not sure of the score they give you, the scale is 500-990 so, it is not the same as FICO. Overall the interface is nice, it give you a overall picture of you finances showing score, ID theft potential, debt percentage of income, and overview of accounts on credit report.

Re: Zendough?

MarineVietVet — Sun, 07 Nov 2010 16:14:53 GMT

@Anonymous wrote:
I have used it for the last 3 months. I like the daily pulls, the alerts are not too great if you ask me. I have only had one alert the entire three months, I have had collections deleted and did not get a alert. I'm not sure of the score they give you, the scale is 500-990 so, it is not the same as FICO. Overall the interface is nice, it give you a overall picture of you finances showing score, ID theft potential, debt percentage of income, and overview of accounts on credit report.

That sounds like a VantageScore.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: Zendough?

Imhotrodcrazy — Sun, 07 Nov 2010 18:57:20 GMT

@Anonymous wrote:
Is it free?

I just looked at their site, after a 7 day trial it is $15 a month. Sounds pricey for a fako score.

Re: Zendough?

Anonymous — Mon, 08 Nov 2010 00:02:01 GMT

@Imhotrodcrazy wrote:
@Anonymous wrote:
Is it free?

I just looked at their site, after a 7 day trial it is $15 a month. Sounds pricey for a fako score.

I don't see any difference between Zendough and the normal TU credit monitoring service that costs $11.95 per month instead of $15.

Re: Zendough?

Woolfman — Mon, 08 Nov 2010 17:09:06 GMT

i dont see mint and zendough even being the same type of service. It looks like zendough is just another credit monitoring service. I wish mint would adopt a pay service as i would pay them to get the accounts working that i can't add. (alliant cc, Flagstar bank which is my mortgage, UMB cards just to name a few)

Re: Zendough?

Anonymous — Mon, 08 Nov 2010 23:59:40 GMT

@Woolfman wrote:
i dont see mint and zendough even being the same type of service. It looks like zendough is just another credit monitoring service. I wish mint would adopt a pay service as i would pay them to get the accounts working that i can't add. (alliant cc, Flagstar bank which is my mortgage, UMB cards just to name a few)

Mint and Zendough are not the same type of service.

Also, IMO, Mint sucks. Too many technical problems plus they don't support UMB and Alliant cc.

Re: Zendough?

Woolfman — Tue, 09 Nov 2010 00:16:51 GMT

yeah i didn't think they were similar but i had to go look because of the OP asking about it and then mentioning mint. So i thought maybe i was missing something. as far as mint goes .Sure its missing some cards and accounts but hands down its the best darn iphone app i have ever downloaded. I can see most of my accounts all at one glance anytime i need to look .

Re: Zendough?

Anonymous — Tue, 09 Nov 2010 00:54:18 GMT

@Woolfman wrote:
yeah i didn't think they were similar but i had to go look because of the OP asking about it and then mentioning mint. So i thought maybe i was missing something. as far as mint goes .Sure its missing some cards and accounts but hands down its the best darn iphone app i have ever downloaded. I can see most of my accounts all at one glance anytime i need to look .

Almost every time I log in there is some error that requires me to re-enter the individual account's password or something. Too unstable.

USAA now has an account aggregator system that works better for me.

Re: Zendough?

Woolfman — Tue, 09 Nov 2010 01:17:55 GMT

as far as i can tell Usaa's version still is missing umb, alliants cc just at first glance.

Re: Zendough?

Anonymous — Tue, 09 Nov 2010 01:49:23 GMT

@Woolfman wrote:
as far as i can tell Usaa's version still is missing umb, alliants cc just at first glance.

Yes, still missing. But at least it doesn't have problems with their internal login to my accounts all the time.

And the folks running the USAA account aggregator are honest and intelligent; those at Mint are lying morons. Every time you ask Mint why the heck they don't add Alliant (Illinois) cc's, they have some guy in Pakistan write you and say that they do support it. Then you point out that they don't, and then they say that they're working on it and will have it added real soon. That's a lie.

USAA's technical people actually told me the reason why they can't add Alliant cc's and why it will probably be a long time before they do. Seems Alliant's cc's are serviced by a credit union thingy that isn't able to distinguish in their databases which accounts belong to Alliant for data aggregation purposes.

Re: Zendough?

haulingthescoreup — Tue, 09 Nov 2010 06:15:04 GMT

Out of curiosity, since you appear to be using USAA's account aggregator, are you at all perturbed that it seems like they might be aware of the specifics of your credit usage with other lenders?

I thought about starting to use it, and then I thought, no, as much as I like them, I really don't need for my main bank to be able to see all the nitty-gritty details of my transactions with other lenders.

Just curious.

Re: Zendough?

Anonymous — Tue, 09 Nov 2010 06:24:17 GMT

@haulingthescoreup wrote:
Out of curiosity, since you appear to be using USAA's account aggregator, are you at all perturbed that it seems like they might be aware of the specifics of your credit usage with other lenders?

I thought about starting to use it, and then I thought, no, as much as I like them, I really don't need for my main bank to be able to see all the nitty-gritty details of my transactions with other lenders.

Just curious.

Yes, dear Emerita, it does bother me. Still, I suppose they get a lot of the same data from their monthly soft pulls. Alliant CU also has an account aggregator function.

On a scale of 1 to 100, I trust Allliant about 95% and USAA about 93%. Any other bank is just about SOL on the trust factor.

Re: Zendough?

vanillabean — Tue, 09 Nov 2010 07:11:13 GMT

@haulingthescoreup wrote:
Out of curiosity, since you appear to be using USAA's account aggregator, are you at all perturbed that it seems like they might be aware of the specifics of your credit usage with other lenders?

I thought about starting to use it, and then I thought, no, as much as I like them, I really don't need for my main bank to be able to see all the nitty-gritty details of my transactions with other lenders.

Just curious.

The bank can see each individual transaction of every card? That sounds like a really bad idea. For that price, I think I can remember multiple passwords and maintain my umbrella spreadsheet.

I also don't like bank billpay; creates too much dependence. I talked with a fellow the other day about refinancing elsewhere; he wanted to, but hesitated; I suspect he has a loan with the bank, who may use it as leverage.

Re: Zendough?

Anonymous — Tue, 09 Nov 2010 07:30:47 GMT

@Anonymous-own-fico wrote:

@haulingthescoreup wrote:
Out of curiosity, since you appear to be using USAA's account aggregator, are you at all perturbed that it seems like they might be aware of the specifics of your credit usage with other lenders?

I thought about starting to use it, and then I thought, no, as much as I like them, I really don't need for my main bank to be able to see all the nitty-gritty details of my transactions with other lenders.

Just curious.

The bank can see each individual transaction of every card? That sounds like a really bad idea. For that price, I think I can remember multiple passwords and maintain my umbrella spreadsheet.

I also don't like bank billpay; creates too much dependence. I talked with a fellow the other day about refinancing elsewhere; he wanted to, but hesitated; I suspect he has a loan with the bank, who may use it as leverage.

I'm not sure what they can or cannot see, but I cannot see any technical impediment that prohibits them from seeing all that you can.

I agree about individual access points.